Date Received: 2024-01-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I trust this letter finds you well. I am writing to express my persistent dissatisfaction and concern regarding the unresolved issues related to multiple attempts to remove both late closed and charge-off entries from my credit file. Despite my continuous efforts, these entries remain, adversely impacting my creditworthiness and financial standing. I have diligently pursued the correction of these entries through multiple attempts, as outlined below : Initiated contact with your customer service department to address the inaccurately labeled late closed entry on my credit file. Follow-up communication after the initial inquiry did not yield a satisfactory resolution. Submitted written documentation and evidence to demonstrate the inaccuracy of the late closed entry. Reported the inaccurately labeled charge-off entry on my credit file to your institution. Submitted a formal written complaint, including comprehensive documentation and evidence supporting the inaccurate nature of the charge-off entry. Engaged in follow-up communication, providing any additional information requested and cooperating fully in the investigation process. Despite these concerted efforts, both issues persist, causing undue stress and affecting my confidence in the accuracy and reliability of the information on my credit file. I implore you to conduct a thorough and expedited investigation into both matters and take immediate action to correct the inaccurately labeled late closed and charge-off entries from my credit file. Additionally, I request transparent communication regarding the steps your institution is taking to prevent similar incidents in the future. If these matters are not addressed satisfactorily within the exact timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issues to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these late closed and charge off accounts in my credit file : XXXX. XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. XXXX. XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX. XXXX XXXX XXXX Balance Owed : {$750.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. XXXX. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. XXXX. XXXX XXXX Balance Owed : {$140.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. XXXXXXXX XXXX XXXX XXXX Balance Owed : {$400.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. XXXX. XXXX XXXX XXXX Balance Owed : {$1400.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. XXXX. XXXX XXXX XXXX Balance Owed : {$470.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. XXXX. XXXX XXXX Balance Owed : {$0.00} - This kind of account is in fact posted as a charged-off account, be sure you let me know precisely why there is a balance showing on the document if it is a charge off? The account balance is actually wrong, make sure you turn it to zero or get rid of the item fully.
Company Response:
State: MO
Zip: 63146
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I hope this letter reaches you under favorable circumstances. I am writing to express my continued dissatisfaction and concern regarding the unresolved issues related to multiple attempts to remove both late closed and charge-off accounts from my credit file. Despite my persistent efforts, these entries persist, negatively impacting my creditworthiness and causing significant distress. I have diligently pursued the correction of these entries through multiple attempts, as outlined below : Initiated contact with your customer service department to address the inaccurately labeled late closed account on my credit file. Follow-up communication after the initial inquiry did not yield a satisfactory resolution. Submitted written documentation and evidence to demonstrate the inaccuracy of the late closed account entry. Reported the inaccurately labeled charge-off account on my credit file to your institution. Submitted a formal written complaint, including comprehensive documentation and evidence supporting the inaccurate nature of the charge-off account. Engaged in follow-up communication, providing any additional information requested and cooperating fully in the investigation process. Despite these concerted efforts, both issues persist, causing undue stress and affecting my confidence in the accuracy and reliability of the information on my credit file. I implore you to conduct a thorough and expedited investigation into both matters and take immediate action to correct the inaccurately labeled late closed and charge-off accounts from my credit file. Additionally, I request transparent communication regarding the steps your institution is taking to prevent similar incidents in the future. If these matters are not addressed satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issues to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these late closed and charge off accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. XXXX XXXX XXXX : {$810.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. XXXX XXXX XXXX : {$11000.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. XXXX XXXX XXXX XXXX : {$0.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Company Response:
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.
Company Response:
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Company Response:
State: IL
Zip: 60423
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The continued presence of this fraudulent account on my credit report is nothing short of an outrage. Despite my repeated attempts to rectify this situation, the fraudulent accounts continue to plague my creditworthiness and financial stability. It is beyond comprehension that your agency has failed to take swift and effective action to rectify this situation. Your agency 's failure to address this issue effectively is not only a violation of the Fair Credit Reporting Act but also a blatant disregard for the rights and well-being of consumers. XXXX XXXX XXXX PLEASE DELETE!!! The ongoing presence of these fraudulent accounts on my credit report constitutes an affront to my rights and a source of profound distress and financial suffering.
Company Response:
State: CA
Zip: 92201
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I trust this letter finds you well. I am writing to express my continued frustration and dissatisfaction regarding the unresolved issues related to both a persistently late open account and an inaccurate late closed entry on my credit file. Despite numerous attempts on my part, these issues persist, causing significant distress and harm to my credit standing. I have diligently pursued the correction of these entries through multiple attempts, as outlined below Initiated contact with your customer service department to address the late open account issue. Follow-up communication after the initial inquiry did not yield a satisfactory resolution. Submitted written documentation and evidence to demonstrate the discrepancy in the open account. Reported the inaccurately labeled late closed entry on my credit file to your institution. Submitted a formal written complaint, including comprehensive documentation and evidence supporting the inaccurate nature of the late closed entry. Engaged in follow-up communication, providing any additional information requested and cooperating fully in the investigation process. Despite these concerted efforts, both issues remain unresolved, adversely affecting my creditworthiness and financial standing. This situation is not only causing significant inconvenience but also eroding my confidence in the accuracy and reliability of the information on my credit file. I implore you to conduct a thorough and expedited investigation into both matters and take immediate action to correct the late open account and remove the inaccurately labeled late closed entry from my credit file. Additionally, I request transparent communication regarding the steps your institution is taking to prevent similar incidents in the future. If these matters are not addressed satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issues to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to correct these late open account and remove the late closed accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$320.00} - Please check the Payment History and Status information on this account and adjust accordingly. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly.
Company Response:
State: MO
Zip: 63135
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to dispute certain information on my credit report related to the account with the following details : XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$73000.00} XXXX. XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$700000.00} I want to bring to your attention that the inaccurate reporting stems from the bank 's inability to send me the proper statements. I have communicated this issue with the bank, and they have acknowledged the problem and agreed to correct it. I am requesting that the status of this account be updated to reflect one of the following : " Open/Never Late '' if the account is still active and has never been late. " Closed/Paid as Agreed '' if the account has been paid in full and was always paid on time. I believe that the current reporting does not accurately reflect my credit history with this creditor. As per our records and the acknowledgment from the bank, there should be no late payments associated with this account.
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A